Fiducia Data Services
“Can a marketplace model unlock working capital for African SMEs by letting multiple financiers compete on invoice-discount terms in real time?”
HQLagos, Nigeria
IndustryFintech / Lending
The story
Fiducia Data Services is a Nigerian fintech operating a digital supply chain financing marketplace. The platform connects corporate buyers and their suppliers with a pool of financiers (banks and other financial institutions) who bid to discount invoices, enabling suppliers to access working capital at competitive rates. Fiducia itself is explicitly not a bank — it operates as a marketplace/orchestration layer on top of third-party financier balance sheets.
Last 12 months
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The stack
1 layer disclosed in Fiducia Data Services’s embedded-finance stack
Lending
Invoice discounting marketplaceSupply chain financing for corporate buyersDynamic discountingSupplier early-payment financing
Accounting gap: significant